Small Business Loans

Bank Statement loans, Small business loans, working capital loans, equipment loans, equipment refinance loans, and more are available from $5,000 to $150,000 quickly and easily for cash flow, expansions, advertising, inventory, taxes, equipment, or any reason against just your company’s sales, existing assets, or receivables, with realistic and very flexible credit requirements!

Why use alternative small business loan services?

Call either of the following numbers. On Mobile you can tap either Tel # link, 1-919-771-4177, or 1-855-787-1113 and press dial.
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  • Tough transactions are made routine through leaseback and bank statement loans program
  • Application is Fast and easy. Generally only a one page application.
  • Unsecured cash flow programs widely available!
  • Quick approval and funding process.   The revenue loan and gross sales loan are as fast as 2 to 3 business days.   The equipment refinance loans can be completed as
    quickly as 3 to 5 business days.
  • No upfront or processing fee.
  • Traditional programs have a high decline rate.   We have a high approval rate.
  • Your request will be handled by an experienced industry representative throughout the process.
  • You only have to be in business for 3 months for the business bank statement loan program.
  • Low credit scores accepted with no minimum credit scores for several programs.

Click below, or on our “Contact us” in the menu row at the top of the page and one of our highly experienced industry credit representatives will contact you to review your small business loans needs, funding options and immediately begin the funding process.

Call either of the following numbers. On Mobile you can tap either Tel # link, 1-919-771-4177, or 1-855-787-1113 and press dial.
You can compose and send an E-mail to now by clicking on EMail me

Small Business Loans Features:

  1. Sales Revenue based Cash Flow programs
    • All businesses have revenue and cash flow, which allows all businesses to pre-qualify.
  2. Asset Based program
    • Almost all businesses have either receivables, or equipment.    Medical equipment, construction equipment, machinery, industrial equipment and computer equipment can be used.

Frequently asked questions:

Question: Which of the small business loans does my business qualify for?

Answer: While the requirements may vary for each program, minimal requirements will allow you to pre-qualify for a number of programs.

Question: How much can we qualify for with one of these small business loans programs?

Answer:  The amount your business can qualify for depends on things such as business and personal credit, time in business, the amount of equipment owned, and the business’ gross sales.

Question: What if I need $100,000 instead of $50,000 and I only qualify for $50,000?  How can I get to the $100,000 total?

Answer: Since there are several funding programs available, you can get $50,000 under the first program funding, then get another $50,000 under a second program. If a customer wishes, they can get the first $50,000 under the equipment refinance program, then get the second $50,000 under the Gross Sales Program,  also known as the Bank Statement finance or Bank Statement lending program.

Question: Do you offer approvals that are just in the company name for which a guarantor is not required?

Answer: Yes, we offer what is referred to as “Corp Only” approvals. These are approvals for small business loans that are just in the company name. They are based on the time in business, business credit, and in some cases, bank statements or financial statements.  A business must have over 5 years in business, strong business credit and strong financials to qualify for this funding.

Sample Small Business Loans Transaction:

Reno Dental Associates requested $75,000 for remodeling and debt consolidation. They completed the online application including listing of their receivables and equipment, including Dental delivery stations, X-ray equipment and hand pieces.

Reno Dental was approved for $50,000 based on their equipment and time in business. Loan docs were E-Mailed to the customer. The customer return overnighted the original documentation. A final verbal phone verification was completed with the customer and funds were wired to the customer within 24 hours.

The customer still wanted more funding.  They provided their most recent 3 months business checking account statements and were approved for $30,000 based on their cash flow. Loan documents were E-mailed to the customer. The customer faxed back the completed loan documents. A final phone verbal confirmation was completed with the customer and funds were wired into their account within 48 hours. The customer obtained all the funding they needed.

Other advantages of our programs include significant tax advantages. Payments on the asset based loans may be 100% deductible. This program is set up in part as a lease which allows for this type of write off.

Assets are used as collateral but only a small part of the business owners assets are used for any transaction. In most cases, only a fraction of their equipment is used. This compares very favorably to most other programs for which either Real Estate, all of the company’s Accounts Receivables, or the entire assets of the business are held as collateral.

There are often significant tax advantages for the asset based program, comparable to the traditional home mortgage deduction. The equipment refinance is set up in part as a lease in many cases. This allows the customer to deduct the entire payment instead of just the interest portion of the payment. This give the customer additional options in lowering their net income figure.

Credit Corner – How valuable are Co-Signers? Co-signers are generally not as valuable to a loan application as most applicants think they are. The primary reason is that in many cases, co-signers are only offering their signature to help someone else obtain a loan. In these cases, the co-signer will not benefit from the loan, yet is taking a risk.   If the loan goes in arrears, the co-signer is looked at to repay the loan. In many of these cases, the co-signer is far less motivated to pay back funds that went to another person or another company. Lenders are well aware of this and often do not value co-signers as much as the owners or primary signers.

There are some exceptions to this. If the co-signer on one of the small business loans in the portfolio is the father or mother of the primary signer, or spouse of the primary signer, that often carries more weight than if they are not a close relative.    One exception to this is if the co-signer has a strong net worth.  If a Co-signer is offered and they have a strong net worth, then the lender will be more interested in accepting such a co-signer.    If a Co-Signer has a strong net worth and they want to back the primary signer, they should provide a personal financial statement.   This will make approval more likely and the borrowers may be able to negotiate better terms.

Small business loan resources

SBA Community Blog and Forum – Blog and Forums by the SBA, Small business administration. Questions can be asked and answers provided.

Learn more about the types of financing. Choose one of the funding categories to begin:

Thank you for visiting our small business loans resource page!

Market  Updates

business partner with bad credit

Many business owners start businesses with partners that have bad credit. It is not hard to open the business this way.  Having a business partner with bad credit will cause challenges as the business matures.  Some of the recommendations in this article can be used by a business owner with bad credit.

Getting a business loan

Options are more limited when applying for a business loan with a business partner that has bad credit. If the business owner with bad credit has more than a 20% ownership in the business, then most lenders will look at their credit. Some lenders will not look at credit if the ownership percentage is less that 20%. If the ownership percentage is less than 5% or 10%, more lenders will not look at the credit of those owners. If the business partner with bad credit does has closer to 50% ownership interest, then chances are much higher the request will be declined. This is especially true with more traditional lenders like banks and the SBA.

For advice in getting a business loan when you have a business partner with bad credit,
Call either of the following numbers. On Mobile you can tap either Tel # link, 1-919-771-4177, or 1-855-787-1113 and press dial.
You can compose and send an E-mail to EMail me now by clicking on EMail me

Or Click on the “Contact Us” below
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Getting a business location

Renting a location

Once a business finds a commercial location, the business owner’s credit is looked at. If the business is renting a location, the landlord will have the credit of the owners reviewed.
With damaged credit, the business may be denied for a rental request. The denial can be discussed with the landlord. If the other owner has very good credit, the landlord may make an exception based on the stronger credit.

Buying a location

If the business wants to finance the purchase of a location through a commercial mortgage, the lenders will also look at all the owner’s credit. The level of scrutiny will be higher than with a rental request.  Full financial statements will be requested. A business partner with bad credit will more likely cause a rejection in this situation than with a rental request.

business partner with bad credit
options for business owners with bad credit

Establishing business trade accounts

Almost all businesses will eventually establish trade accounts. When a trade account is requested, many companies will check the business and personal credit of the main owners. If the credit is damaged, the request may be declined. Not being able to secure important trade accounts can be very damaging to a business. This can cause the business to be short of the inventory, equipment and other services it needs to be successful.

Even if the business can secure the trade accounts it needs, the terms may be more expensive because of the business partner with bad credit. This will translate to increased costs to operate.

Obtaining Government and Private contracts

When a business bids on private or government contracts, the personal credit of the owners is reviewed. If there is a business owner with bad credit, it will be more difficult to secure these contracts. The contract request may even be denied for this reason.

Background checks

There are many reasons why a background check may be completed on the owners of a business.  Some of the reasons have already been listed. If a background check is requested, it will include a personal credit check.  Bad credit of any of the owners may be a reason for denial in a background check.


A number of negative consequences of having a business owner with bad credit have been reviewed. If you are a business that has an owner with bad credit, all is not lost. A number of things can be done to improve, and even eliminate this problem.

Change in ownership percentage

The biggest change that can be made is lowering the percentage of ownership of the business partner with bad credit.  Those owners may not agree to this.  If they do, the ownership needs to be changed to an amount lower than 20%.  An amount less than 10% would be better. Further, an ownership percentage of less than 5% would eliminate the problem in most cases.

The solution of lowering their ownership percentage will often not be popular with many of these owners. A remedy to this is to consider other changes in the bylaws of the corporation. There are many options. The stock ownership or dividend rate can be increased. The owner can be given a higher salary.  A commission structure can be added or increased. Another option is to pay more towards their IRA. All of these actions are options to balance a reduced ownership percentage.

Change articles of incorporation

If the business partner with bad credit agrees to lowering their ownership percentage, the Articles of Incorporation should be changed to reflect this.  Many States show ownership percentage in the Articles of Incorporation.  After the Articles of Incorporation are updated to reflect the new ownership percentages, they should be submitted to the Secretary of State.

Updating the Secretary of State

The Secretary of State listing itself should be updated. The Secretary of State lists information on the company and it’s owners.  The business partner with bad credit should be removed. The owner with the stronger credit should be listed instead.

Update business credit reports

Business credit reports can be updated. This includes Dun & Bradstreet and Experian Business credit report. There is a section listing the owner’s name. This should be the owner with the stronger credit.

We receive many callers with similar requests.   Callers also call in requesting help with a “business owner with bad credit”.   Other times callers ask for help for a “business owner with damaged credit”.

If assistance is needed to prepare business plans or financial statements, the SBA Small Business Administration has excellent resources.